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Westpac Altitude Business Gold Mastercard

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Save with a $0 first year annual fee with a Westpac Altitude Business Gold Mastercard.

This business credit card combines expense-management features with gold-level perks, including rewards and complimentary travel insurance. It also offers a balance transfer option.

4.99% p.a.

Balance transfer rate

for 12 months

20.24% p.a.

Purchase rate


Reward point

Per $ spent

$0 p.a.

Annual fee

for the first year ($150 p.a. thereafter)

We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder .


Product NameWestpac Altitude Business Gold Mastercard
Rewards programWestpac Altitude Rewards
Balance transfer rate4.99% p.a. for 12 months
Balance transfer revert ratePurchase Rate (20.24% p.a.)
Balance transfer limit80% of available limit
Purchase rate20.24% p.a.
Annual fee$0 annual fee for the first year ($150 p.a. thereafter)
Interest-free period55 days
Cash advance rate20.74% p.a.
Min credit limit$1,000
Max credit limit$50,000
Card typeMastercard
Foreign currency conversion fee3%
Minimum income$30,000
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • $0 annual fee for the first year
  • Balance transfer offer of 4.99% p.a. for 12 months
  • Complimentary overseas travel insurance


  • A relatively high interest of 20.24% p.a. on purchases
  • Charges a 3% foreign transaction fee
Rewards programWestpac Altitude Rewards
Rewards points per $ spent1
Rewards points cap20,000
Annual fee$0 annual fee for the first year ($150 p.a. thereafter)
Minimum monthly repayment3% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee2% or $2.50, whichever is greater
Overseas cash advance fee2%
Additional cardholder fee$0
Number of additional cardholders1

Expert review

Amy Bradney-George

Review by

Amy Bradney-George is the acting editor for credit cards and has more than 13 years’ experience writing about personal finance. She has bylines in publications including The Sydney Morning Herald, ABC News and The Equity Magazine. A passionate writer, she’s also acting editor for Finder X and senior writer for Finder Green. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University, and when she’s not writing she spends her time as an actress.

Expert review

The Westpac Altitude Business Gold Mastercard is suited to smaller business ventures and investments, offering 1 additional cardholder and easy options if you want to export transaction details directly to MYOB or BAS. It earns 1 point per $1 spent on eligible purchases and 0.5 points per $1 spent on government payments, capped at 20,000 per statement cycle, which are collected through the Altitude Rewards program.

How to apply

You can apply for the Westpac Altitude Business Gold Mastercard online in around 10 minutes and could get a response within 60 seconds of submitting your completed application. To get started, make sure you meet the following eligibility requirements and have access to all the details and documents you'll need to apply.

Eligibility criteria

  • Minimum income. You must earn a minimum of $30,000 per year.
  • Business details. You can only apply for this card if you plan to use it for business or investment purposes. You also need to have an active ABN (Australian Business Number) or ACN (Australian Company Number).

Card benefits

  • First year annual fee waiver. Apply before 29 September 2020 and you'll enjoy a $0 annual fee in the first year, saving you $150.
  • Balance transfer offer. If you're looking to consolidate your debt, you can take advantage of a 4.99% p.a. interest for the first 12 months when you request for a balance transfer during the application for this card. At the end of the introductory period, the interest rate reverts to the variable purchase rate of 20.24% p.a.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a standard annual fee of $150.
  • Business management features. This card offers easy ways to export transaction details to MYOB or BAS, as well as downloadable reports you can open in Microsoft Excel. If you want to share the account with an employee, you can also request an additional card, with a $0 additional cardholder fee.

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  1. Default Gravatar
    July 5, 2015

    I have an altitude black card with Westpac. Will I be able to have an altitude business card,if I am exclusively an employee of a large business group,but own no business firm of my own. I don’t even have an ABN.

    • Avatarfinder Customer Care
      July 6, 2015

      Hi Mathew,

      Thank you for your comment.

      You need to quote your ABN or ACN of your company during your application, so you can only use the card if you have one of these.

      As a business card, the Gold card comes with a higher annual fee and rates than a personal credit card. Business credit cards can also only be used for business-related purchases and transactions.

      You would need to discuss the possibility of using a Westpac Altitude Business Gold credit card with your managers and employers before applying for the card.

      I hope this has helped.



  2. Default Gravatar
    July 3, 2015

    Hi, Can I get more than 1 additional card holder for the Business Altitude Gold/Platinum?

    • Avatarfinder Customer Care
      July 3, 2015

      Hi Thomas,

      Thank you for your comment.

      No, you can only get one additional cardholder with either of those cards.

      I hope this has helped.



  3. Default Gravatar
    April 29, 2015

    Can i swap from Platinum Altitude card to the Business Gold Altitude card for both me and my wife? I have an abn and registered business

    • Avatarfinder Customer Care
      April 30, 2015

      Hi Andrew, thanks for your inquiry!

      Changing Westpac credit cards can be done via online banking, calling the customer service team or visiting a Westpac branch. Please refer to the link I have sent to your email for the details on changing your card via these methods.



  4. Default Gravatar
    August 15, 2014

    Can I get this card? as I have an ABN, but my main source of income is not from my business, but from my employer.

    • Avatarfinder Customer Care
      August 18, 2014

      Hi Troy,

      Thanks for your question.

      Yes you can still apply for this card. Please note that other eligibility requirements apply.

      All the best,

  5. Default Gravatar
    March 23, 2014

    I took out a Westpac Gold card many many years ago. Somewhere in the fine print at the time, it said that if a certain amount was spent per month,( and I mean around $17000) the annual fee of $150 would be deducted. I remember reading this, but can no longer find the paperwork. If you can find this detail, I will be totally grateful.

    • Avatarfinder Customer Care
      March 24, 2014

      Hi, Miri.

      Unfortunately, I’m unable to get access to this information. I’ll have a look across the internet and I’ll be in touch if anything comes up.

      Thanks for your question.

  6. Default Gravatar
    October 23, 2013

    Does one Altitude Point = one Qantas Frequent Flyer point?

    • Avatarfinder Customer Care
      October 23, 2013

      Hi Pamela.

      Thanks for your question.

      Westpac do not currently allow you to transfer your Altitude Points to the Qantas Frequent Flyer Program. You can find out which frequent flyer programs you can transfer your Altitude points to on this page.

      I hope this helps.

  7. Default Gravatar
    May 19, 2013

    Hi. I want to run my business all by credit card and receive rewards points when I spend. We currently turn over approx 400,000 per year. So, I just want some advice on the best reward cards but probably not American Express as a lot of suppliers do not except AMEX or have charges for them. Thanks.

    • Avatarfinder Customer Care
      May 20, 2013

      Hi Brett. Thanks for your question. The card that is right for you will depend on a number of factors, but when talking about rewards – if you’re spending approx. $400K a year through your business, you may want to consider a business card with uncapped points earning. Please check the business credit card comparison page for information about business credit cards. Out of the cards we compare, the ANZ Business One Visa Rewards Visa and the NAB Qantas Business Card have no points capping (and are not American Express). Putting aside the rates of interest and other features offered with these cards, the main difference is the NAB card is a direct earn product for the Qantas Points for their Frequent Flyer Program while the ANZ card earns ANZ Rewards. You can check the conversion rates between the ANZ Rewards Program and other frequent flyer programs here.
      Let us know if you need more information. Jacob.

  8. Default Gravatar
    May 15, 2013

    I have purchased on my Business Altitude Gold mastercard, a return air ticket to USA for myself using altitude points (290,000pts) + pay (amount $1300). Also purchased and fully paid for return air tickets for my spouse (secondary cardholder) and daughter on the same card – are we all covered by the Complimentary Travel Insurance?
    Do I have to pay for other trip related costs such as accommodation to meet the requirements of the complimentary travel insurance? Lastly, are we covered for car rental insurance while overseas and is this only valid if the primary cardholder is driving? And do we have to pay for this on the same card to qualify?
    Thank you

    • Avatarfinder Customer Care
      May 15, 2013

      Hi Fiona. Thanks for your question. You and your family are covered if you each put at least $500 of your prepaid travel expenses on your card account – this includes the use of points too – you all have to be travelling together for the entire journey for the cover to apply.

      Regarding the rental vehicle excess cover. The following is taken from the policy document, which I have sent to your email, ‘We will reimburse you for any insurance excess or deductible
      which you become legally liable to pay in respect of a claim under the comprehensive insurance policy of the rental vehicle during the rental period provided:
      ? the rental vehicle must be rented from a licensed rental agency; and
      ? the cardholder was operating the rental vehicle within the local laws of the country/city; and
      ? the hiring agreement must incorporate the standard comprehensive motor insurance normally provided by the rental agency covering loss or damage to the rental vehicle; and
      ? you must comply with all the requirements of the rental organisation under the hiring agreement and of the rental vehicle insurer.’

      Hope this helps. Jacob.

  9. Default Gravatar
    May 10, 2013

    Hi ,
    With the introduction of points capping in a month or so, which would be a good card for maximum or no capping of business cards and reasonable annual fees.

    • Avatarfinder Customer Care
      May 11, 2013

      Hey Georgie. This page has a comparison of cards with no points capping. Jacob.

  10. Default Gravatar
    April 29, 2013

    Hi, The description mentioned that your ‘altitude points’ can be redeemed for frequent flyer points in five other frequent flyer programs.
    what is the ratio of points to velocity frequent flyer.

    ie: is 1 altitude point equivalent to 1 velocity point?


    • Avatarfinder Customer Care
      April 29, 2013

      Hi Mary. Good question. This page has the answer you need – A Guide to Transferring Frequent Flyer Points – it outlines the various rewards programs and the transfer rates to different frequent flyer programs. Jacob.

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